Lynne Jones
Often when I meet with people about to join Medicare, there is confusion about the differences between Medicare Supplement insurance and Medicare Advantage plans. Usually people get advice from friends, family, and neighbors, and the result is often confusion.
While Original Medicare (Part A and Part B) covers many healthcare expenses, it doesn’t cover everything. Even with covered healthcare services, beneficiaries are still responsible for a number of copayments and deductibles, which can easily add up.
In addition, Medicare Part A and Part B also doesn’t cover certain benefits, such as routine vision and dental, prescription drugs, or overseas emergency health coverage. If all you have is Original Medicare, you’ll need to pay for these costs out-of-pocket. As a result, many people with Medicare enroll in two types of plans to cover these gaps in coverage.
There are two options commonly used to replace or supplement Original Medicare. One option, called Medicare Advantage plans, are an alternative way to get Original Medicare. The other option, Medicare Supplement (or Medigap) insurance plans work alongside your Original Medicare coverage. These plans have significant differences when it comes to costs, benefits, and how they work. It’s important to understand these differences as you review your Medicare coverage options.
If you are interested in learning more about these Medicare options, or have questions, please feel free to contact me. I am happy to explain and clear up any confusion. I believe that understanding allows you to make a better decision about what is right for you.
Call Lynne Jones, a licensed sales person, at (480) 212-2246, or email me at jonesdvp@yahoo.com.